Specialties
YouLand offers a one-stop-shop for mortgage products for all types of borrowers to help them find the right mortgage and save money:
Mortgage: agency mortgages with no point and no fees
Alternative mortgage: mortgages for consumers who do not qualify for a conventional mortgage including low income, self-employed, immigrations, foreign nationals, etc.
Jumbo mortgage: large mortgages up to $10MM
Bridge: 3 days closing, short-term (12-18 month) loans on investment properties
Rental: 30-year mortgages for rental investment properties
Not sure which loan program is right for you? Check out our website to go through our different programs and find the loan that suits you best.
Our 100% online process makes applying for loans easy. The free instant pricing feature helps you see competitive rates for each loan type instantly . Get pre-approval online in under 5 minutes and close loans quickly with our AI-driven system.
History
Established in 2017.
YouLand was founded with the goal to simplify and digitalize the borrowing process for consumers, helping them save money and time and making homeownership simpler, faster and easier.
YouLand got started with short-term bridge loans for investment properties and has originated nearly $200 million in bridge loans. Since then, they have shifted their focus to revolutionizing the mortgage industry.
YouLand built an end-to-end system driven by data and AI to process a large volume of mortgages and offer affiliated services with efficiency so consumers can save money for on mortgages.
Meet the Business Owner: Richard J.
YouLand was founded by Richard Jia, who gained real estate experience working at Fillmore Capital. With his industry experience, Jia noticed a lack of efficiency and technology in the real estate lending space. He decided to found YouLand to pursue his passion for bringing technology and real estate financing together to help people save money, find the right mortgage product, and close quickly.
Jia got his MBA from the Wharton School at University of Pennsylvania and lives in Alameda, CA with his wife and two sons.